Author: Marc

As businesses hire a growing number of people on bicycles, scooters or cars, liability coverage needs rise. Businesses of all sizes are looking to different types of delivery options for convenience and savings, requiring many self-employed individuals to seek independent courier insurance. Not all couriers work for massive global companies and those on bikes and scooters need coverage, too. Damage and liability issues are the most important part of independent courier insurance. These typically have to do with the vehicle being used to make the deliveries as well as the…

The state has made several large changes to help reduce the odds of filing of loss cost errors. The Pennsylvania workers compensation insurance system has undergone considerable changes that have now gone into effect. According to the state Insurance Commissioner Jessica Altman as well as Labor and Industry Secretary Jerry Oleksiak, their offices have come to agreements with two major insurers and with the Pennsylvania Compensation Rating Bureau (P.C.R.B.). Together, the organizations hope this will substantially reduce the instance of filing of loss cost errors. These errors to filing of…

VAs are facing very specific risks and exposures and are typically advised to buy coverage. Virtual assistant insurance can be highly beneficial for V.A.s as the unique exposures they face in their line of work due to the damage they could cause to their clients’ businesses and reputations. The potential damage that could be caused by a simple mistake is substantial and may be costly. Virtual assistant insurance takes into account the fact that V.A.s have access to a substantial amount of information about their clients. They can access and…

As the new academic year gets started, the state Department of Health is reminding parents to update shots. New school years are beginning – or are about to begin – across the country and in North Dakota, the Department of Health (NDDoH) is reminding parents of the importance of back to school vaccines. There is a law that requires children to have up to date immunizations from kindergarten through twelfth grade and the NDDoH is making sure this can happen regardless of whether or not the child has health insurance.…

New data from the American Bankruptcy Institute shows uninsured people are twice as likely to file. Just as data is being released saying that while most Americans now have a health insurance plan, many remain underinsured, another study’s results have indicated that coverage is still making a difference. The American Bankruptcy Institute has shown that the uninsured have twice the likelihood of filing bankruptcy compared to those with coverage. The research showed that covered individuals whose policy was interrupted were twice as likely to go bankrupt. In fact, the data…

Though heavily criticized the Affordable Care Act has received, most Americans have medical coverage. The greatly criticized US health care system now covers approximately 90 percent of Americans. Still, it remains a core subject of debate among 2020 presidential candidates. Most are now attempting to present their own alternate versions of the system. In fact, many candidates are seeking to eliminate the Affordable Care Act and begin again. If we were to listen exclusively to what politicians are saying about the US health care system at the moment, it would…

Many homeowners don’t realize that they need to add coverage to their eco-friendly additions. Across the country, homeowners and businesses alike are making efforts to shrink their carbon footprint but many forget to add solar panel insurance to cover their substantial investments. Getting coverage for your green energy additions is typically quite easy to do. The average rooftop solar panel system will usually cost somewhere between $15,000 and $25,000, according to data from the Center for Sustainable Energy. This represents a considerable investment and will raise the replacement cost of…